The question is pretty wide open because there are different types of insurance. As the consumer, you do not have much bargaining room.
Car insurance is based on the value of the car, the safety features it has, your location, your anticipated mileage, whether or not you use the car for work, your driving record, your sex (younger drivers) and your age.
Term Life Insurance is pretty easy to get--the physical standards you have to meet are not too bad and the rate stays the same for the life of the policy. However, once the term is up, you have nothing to show for it.
Whole life can be an investment, but the physical standards are tougher and the age brackets increase more. However, the policy does build up cash value.
Health Insurance is in a flux right now because of Obamacare and everything else. If you are young and healthy you can get a policy. If you have any pre-existing conditions, the price starts going up. Some conditions, such as Type II Diabetes like I have (which is totally under conrol without any medication is almost always an automatic rejection.
There is something called Universal Life. No insurance agent has been abel to explain the advantage of it to me.
by Kristin Trapp 11 years ago
What is the difference between whole and term life insurance?Is the amount of time each insurance policy lasts the only difference or are there others? Does age play a role in determining which one is the best type of life insurance for me and my family?
by Beth Perry 11 years ago
Should there be a quality standards policy for submissions in the Hubpages Questions section?I've noticed a few Hubpages members use a great deal of bad grammar and/or txt abbreviations when posting a question in the Questions section here at Hubpages. Some of these Questions are so poorly written...
by Simone Haruko Smith 10 years ago
What advice can you offer about choosing, using, & switching out different types of insurance? (WTI)We’ve all dealt with some sort of insurance in our lives. What have you learned from your experiences? Share your advice on choosing (or going without), using, switching, and researching...
by clickbobb 11 years ago
What's the best source to get the cheapest auto insurance quote ?
by Mentalist acer 13 years ago
Will the new healthcare policy personally help you,and just exactly are the drawbacks of the healthcare bill?
by laswi 14 years ago
A health insurance policy is designed by an insurance company for a particular period of time according to the requirements of the purchaser of the policy. It is renewable annually or monthly.A health insurance policy is a contract between the insurance company and an individual or his sponsor such...
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